I think that’s a different fee. As a merchant accepting credit card or debit card payments is going to cost you the same 2-3%. At least that’s what Stripe or local payment processors charge
Stripe charges 1.5% + €0.25 ($0.27) in the EU to accept EEA cards [1]. Stripe charges 2.9% + $0.30 for processing domestic cards in the US [2].
The reason it charges 1.4% more for accepting US cards is the US card fees (interchange fees). These fees are complicated and roughly five times more than European card fees [3].
